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Qantas AmEx Ultimate: 100,000 Qantas Points ($5,000 Spend in 3 Months), $450 Travel Credit, $450 Annual Fee

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Qantas AmEx Ultimate: 100,000 Qantas Points ($5,000 Spend in 3 Months), $450 Travel Credit, $450 Annual Fee
Go to Deal
ninja2042 on 15/01/2025 - 00:33 americanexpress.com (7904 clicks)
Last edited 17/01/2025 - 12:56 by 1 other user

This offer was available only by referral until 11 March but is now available on Amex's website until 18 March.

Referral solicitation removed — Mod.

Card benefits include:

  • a $450 Qantas travel credit each year (for Qantas flights booked via Amex Travel)
  • 2 Qantas lounge passes after you book a flight with Qantas directly
  • 2 Amex lounge passes (for Melb and Syd international)
  • travel insurance
  • Qantas Wine premium membership
  • 4 free supplementary cards

Annual fee: $450

New Amex cardholders only. You must not have held a card issued by Amex Australia in the last 18 months.

Referral Links

Business Explorer Card: random (1)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (7)

Referee gets 200,000 MR points. Referrer gets 150,000 MR points.

Show 12 More
Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points Travel Credit

Related Stores

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Qantas
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closed Comments

  • heineken016 on 01/02/2025 - 13:18

    just applied. wish good luck to me and Zachary

    • ozbargainerlife1 on 02/02/2025 - 12:11

      were you approved and wahts ur churn history

    • UrMumsOnlyFan on 02/02/2025 - 16:51

      Also just applied. May the churning gods approve.

      • WonderBlast on 02/02/2025 - 20:03

        Did you get the email stating they will let you know in 5 - 10 days as well?

        • UrMumsOnlyFan on 03/02/2025 - 22:36

          Oops, just realised I did get an automated email yesterday.

  • Crowing on 03/02/2025 - 08:16
    +3

    Handy tip for those looking to pay council fees - I did a test and paid my council rates via Auspost bill pay in app using PayPal with my linked amex and got the full points (ie it isn’t considered gov spend)

  • Indomie5 on 03/02/2025 - 22:35

    Can I stack Cashrewards with a referral to earn bonus rewards?

  • asdfasdfasdfasdf on 04/02/2025 - 10:34

    Applied late Sunday, approved on Monday morning. That was quick. They called to confirm my spending.

    How long does it take for the card to arrive? I have a big spend soon that will help me achieve 5k sooner.

    • bbldrippy on 26/02/2025 - 06:44

      How long did yours take to arrive? Got mine approved and confirmed along a similar timeline

      • asdfasdfasdfasdf on 26/02/2025 - 09:47
        +1

        It arrived on Wednesday. 4 days from applying to receiving it.

  • mrdng on 04/02/2025 - 11:13
    +2

    I applied 2 weeks ago, received only a confirmation email, then heard nothing. Found a letter of rejection in my mailbox a few days ago.

    My credit score is excellent (Equifax 950+, Experian 800+), always paid in full and never missed one. My main salary is in the 95th percentile.

    I had a long history of churning though. Maybe it's game-over for me…

    • GS9891 on 07/02/2025 - 21:07

      I'm in the 87th percentile, score of only 850 or so but no missed payments ever. Was rejected last year in June for this, so just let things sit for half a year, applied late Jan, and got it. There's still hope.

      Also manually choosing a lower credit limit may increase chances of rejection, so I just let them set it this time and they gave me a whopping $25,000, but can lower it once you have the card thankfully.

      • ozbargainerlife1 on 08/02/2025 - 08:54

        hey~ can I ask whats ur churn history in last 12 months

      • ozbargainerlife1 on 08/02/2025 - 08:55

        and did you apply via referral link or not~ not sure if it matters

        • GS9891 on 08/02/2025 - 09:30

          Applied direct not via link. Only one new card in the past 12 months besides the AMEX but was rejected twice for Westpac in June and August also (plus the AMEX rejection).

          • ozbargainerlife1 on 08/02/2025 - 09:32

            @GS9891: thanks.. had one amex rejection in 12 months but had 4 other cards all closed now (recent closed was January)… cant decide if to apply or not

      • UrMumsOnlyFan on 08/02/2025 - 12:22
        +1

        Also manually choosing a lower credit limit may increase chances of rejection, so I just let them set it this time and they gave me a whopping $25,000, but can lower it once you have the card thankfully.

        I feel this is an important recommendation and I'll make sure to not pick a limit on my next application attempt.

      • mrdng on 10/02/2025 - 12:48
        +2

        Choosing a minimum credit may trigger the rejection, that's wisdom! (I did pick $6k only on my application!)

        I applied for NAB signature card at the airport while waiting to get on a plane in 2023 and and left everything at default and they instantly gave me $75k which made my heart jumped a bit. They even gave me a digital card to spend immediately which I used to buy a bottle of water.

        • UrMumsOnlyFan on 10/02/2025 - 13:37

          I selected 4k, which is mega imbecilic facepalm in hindsight.

          they instantly gave me $75k which made my heart jumped a bit

          I'd guess it's probably fine to select something like 30k if you don't want to risk the possibility of them giving 75k.

          Fortunately decreasing credit limit should be as simple as a few online clicks.

  • Indomie5 on 04/02/2025 - 13:28
    -1

    I'm looking to apply for the Qantas AmEx Ultimate card and noticed there are different referral links available. Can anyone recommend a referral link to use?

  • Usemame on 05/02/2025 - 12:49

    Yep automatic rejection now twice from Amex and Amex only ever. Definitely a churner filter is on their system.

  • Pandaboy93 on 05/02/2025 - 21:13

    Applied on Sunday and got auto approval, card had arrived today! Very good timing due to planning to go to Japan in march!

    • UrMumsOnlyFan on 06/02/2025 - 00:45

      Glad to hear that some people are getting approved. Clearly my application on Sunday was not one of the lucky ones :)

  • minmax on 06/02/2025 - 09:36
    +1

    Do rates, rego and ATO payments count towards the $5k spend in 3 months? The T&C doesn’t specify.

    Any tips to maximise points for those transactions? Please don’t neg me - I’m new to this game lol.

    • timhn on 06/02/2025 - 09:56
      +1

      I'm pretty sure you get 0.5 points for every dollar spent on govn bodies. So yes, those payments will count.

      Their T&Cs specifically don't have govern payments in the exclusion list.

      • Crowing on 06/02/2025 - 13:11
        +5

        You could buy the Cole’s Mastercards which have $0 fees now to pay for rates, Revo and ATO payments, will get full 1.25 points per $ this way

        • MoBeigi on 06/02/2025 - 18:25

          So you buy the Coles mastercards with your Amex card to get full points, then pay the ATO with them? Where do you get the Coles mastercards?

        • scarh24 on 07/02/2025 - 23:06

          Thanks for the suggestion! I have a council rates for $1.1k for City of Melbourne. Now, on their website it says they charge 0.33% card fee, what happens if i call up and pay via phone? Do you know if this card acts as a debit or credit card? thanks in advance

          • Crowing on 08/02/2025 - 07:28

            @scarh24: Does city of council allow for payment via auspost bill pay app? If so, you can get away without any fees by paying via PayPal and using your linked Amex. I did a test payment for Marion council (SA) for $50 and got the full points at 1.25 rate

            • scarh24 on 08/02/2025 - 10:46

              @Crowing: Unfortunately not, but i appreciate the suggestion!

  • kommy on 06/02/2025 - 17:29

    Just activated my card yesterday. Does anyone know when the $450 travel credit appears?

    • Crowing on 06/02/2025 - 17:35
      +1

      Instantly when you navigate to Amex travel and have selected Qantas flight. In the payment screen it’ll give you the option to select the $450 credit

      • kommy on 06/02/2025 - 20:12

        I didn't see the credit when attempting to book a Qantas flight that was over $450. I asked via online chat and they said give it 5 to 7 days.

        • Slo20 on 06/02/2025 - 21:23

          Did you book it via amex travel or qantas directly? You have to use the Amex travel

          https://www.americanexpress.com/en-au/travel/

          • kommy on 07/02/2025 - 07:06

            @Slo20: I used the Amex travel link in the app, booked a Qantas flight that was over $450, during checkout no $450 credit just the full amount to be charged to the card.

        • Radar on 06/02/2025 - 22:11

          I used the amex travel link in the app, booked a qantas flight, selected to get $450 credit during checkout. the credit appeared within 3 days.

      • kommy on 07/02/2025 - 11:50
        +2

        For those wondering, I range amex today and was told that the $450 Qantas credit will appear once the annual fee is charged to the card.

  • MoBeigi on 06/02/2025 - 18:35

    Just applied for the card. I wonder if I can get approved and have it arrive within 2 weeks for a trip I am taking.

    • Indomie5 on 06/02/2025 - 19:10

      I applied two days ago, and mine just got approved! The card should arrive within seven business days

  • Luna2022 on 07/02/2025 - 12:05

    Will i be eligible if I am the secondary card holder?

  • cloudspires on 07/02/2025 - 20:15

    Applied on Tuesday and still no response. How long did it take for you guys to hear back?

    • GS9891 on 07/02/2025 - 21:11

      Instant request to upload payslips online, then approved the next day. Unfortunately you'll probably just get the rejection letter in the mail.

      • cloudspires on 07/02/2025 - 21:25

        Dammit, that's not what I was hoping for. I cancelled my ANZ card just before applying to increase my chances so guess I'll have to hunt down a different credit card. :/

    • BarneyKB on 09/02/2025 - 01:17
      +1

      I called them up after 48 hours and they approved it live while I was on the phone

      • cloudspires on 09/02/2025 - 14:58

        Have you had the card before? Will give them a ring sometime tomorrow

        • BarneyKB on 09/02/2025 - 21:25

          Nope, never had amex before but have had a few other cards.

    • cloudspires on 17/02/2025 - 17:55

      Update: was rejected.

  • Moo Deng on 09/02/2025 - 15:55

    Does anyone know if paying body corporate fees with DEFT / StrataPay is counted as an eligible spend on this card?

    • san87 on 09/02/2025 - 16:55

      I used Sniip and it was counted as eligible spending!

      • Moo Deng on 09/02/2025 - 18:04

        Thanks I guess better to do it that way to be 100%

        But if anyone knows if you can bypass the Sniip step and pay direct let me know

        • san87 on 09/02/2025 - 18:24

          If you use a referral link to create a new account, you can get $10.

  • suku1809 on 12/02/2025 - 19:04

    Does anyone know how soon the bonus 40000 referral points reflect on your card?

    Just refered a friend who got approved and was looking to use those points for a travel booking i need to make.
    Thanks

    • ymcaec on 12/02/2025 - 23:09
      +1

      i got mine in my amex account two days after their approval

      • suku1809 on 12/02/2025 - 23:14

        Thanks for your reply. Did you get any email too? Once they got approved.

        • ymcaec on 12/02/2025 - 23:16
          +1

          nah. just shows up on the points to be transferred.

  • Tiklpikl on 13/02/2025 - 09:46

    Declined :( excellent credit history, had DJs amex premium only 2 yrs ago,1 other CC. CS told me reason will be in the letter but it wasn’t. I need to book qantas to USA & return from Canada (51st state) haha can a family member apply and book for me if card approved & as a supp can I get the qantas lounge myself without the main holder

  • pooks on 14/02/2025 - 12:10

    Submitted the application today and as I was uploading the required documents, they called my mobile to confirm a few things and gave instant approval. All done within an hr from start of the application to approval. So best to check and answer your phone (from Sydney (02)).

    • timhn on 14/02/2025 - 16:59

      The approval team probably wanted to clear all the applications ASAP on Fri and leave early for their valentine date 😁

  • Moo Deng on 14/02/2025 - 17:20

    When applying for this card does it ask to list your liabilities? Ie. any other cards you have open?

    • san87 on 14/02/2025 - 17:22

      It does ask for the combined total of opened credit cards.

      • Moo Deng on 14/02/2025 - 18:24

        Thanks for that

        • Nom on 14/02/2025 - 19:07

          Every credit application will ask you for this - it's basically the most important factor in the approval.

          • Moo Deng on 14/02/2025 - 19:10

            @Nom: Sometimes they prefill with cards limits and you can delete the ones no longer relevant or recently closed.

            The issue I have is that I had a Buy Now Pay Later account from NAB that I closed in August but is still listed as open on my credit report, also also another card I recently closed is still there.

            So it’s good if you are able to manually report this information, as the information they have from the credit bodies may not entirely be up to date.

  • EBC on 15/02/2025 - 08:40
    +1

    Anyone done the refund on the $450 credit as described earlier in these comments recently? Looking to get this card and want to check if it's still working first.

    • AquaDigger on 15/02/2025 - 10:13

      Confirmed that it still works as of about two weeks ago.

  • Moo Deng on 15/02/2025 - 20:11

    They don't ask for assets at all during the application? Isn't that strange?

  • EBC on 18/02/2025 - 15:22

    That was the quickest approval I have ever had. The final page of the application hadn't even finished loading before I got the text and email saying I was approved. Never had an Amex though and only recently begun churning so probably no problems from that perspective.

  • Moo Deng on 18/02/2025 - 15:29

    First time rejected for a card in 18 years.. sad

  • Lexie123 on 18/02/2025 - 16:32
    -2

    Partner and I are serious churners,no debt or defaults both rejected.Encourage posters to complain to AFCA about banks filtering churners from public offerings.
    The Amex rejection letter is a very broad explanation and AFCA believes they have to identify the sole reason of rejection.We have opened a case against Amex discriminatory actions, I encourage others to do likewise.
    Your first step is to ring Amex and speak with the application team manager and get a new case reference number to pass on to AFCA for them to investigate.
    Or give in without a whimper…

    • Moo Deng on 18/02/2025 - 16:35

      They wouldn’t even budge when asking for a manual review or lower credit limit. There are a couple of accounts marked as active on my credit card even though they are closed. Basically said I need to apply again in 90 days.

    • Nom on 19/02/2025 - 12:53

      complain to AFCA about banks filtering churners from public offerings.

      What is the complaint though ? If the bank doesn't want you as a customer, then surely that's entirely up to them - why would AFCA care ?

      • Lexie123 on 19/02/2025 - 15:28

        I also got knock backed by NAB contacted AFCA,they were considerate about cc denial and told me to contact NAB resolution team and ask for a reference number of complaint and they would investigate.Mention that to NAB they could not help me enough and now I have a NAB card.

        In the process of doing this with Amex,a bit harder as they only have a supervisor,still not made contact yet.
        Stuff them I think it's discriminatory.if they don't want churners business work out a better solution.
        AFCA stance is your credit rating is excellent,they must DETAIL why you have been rejected,not that broad paragraph everyone gets citing different reasons.

    • ol mate on 18/04/2025 - 09:32

      Any updates on your AFCA case?

  • oza78 on 19/02/2025 - 11:39

    Hi, not sure if this is already asked - Can you apply for both Virgin and Qantas Amex cards at the same time and get the points? or 18 months wait period applies for these 2 too?

  • flylin on 19/02/2025 - 12:36

    Does AMEX offer instant digital card activation after approval?

    Otherwise how long does it take for the card to arrive?

    • san87 on 19/02/2025 - 12:47

      No instant digital card. It takes around 2-3 working days.

  • Lexie123 on 19/02/2025 - 15:32
    -2

    This is a good read

    https://www.ozbargain.com.au/comment/16197558/redir

      • Lexie123 on 19/02/2025 - 18:17
        +2

        If churners want to complain there is a department AFCA to mitigate your grievances with Amex.
        Twice now I have been rejected.Had the card 2 times before that and churned.They have to give you a reason.What's the use of a credit score report on defaults and bad debt.If they won't abide by it .Should work both ways.

  • sim777 on 19/02/2025 - 16:51

    Do people think this is a card worth holding onto for long term? Given Amex has a track record of rejecting even mild churners?

    • timhn on 19/02/2025 - 18:17

      I think only you can answer. If you see you can utilise the yearly travel credit then that's a no brainer to keep it. The lounge passes & travel insurance would be icing on top.

    • Nom on 20/02/2025 - 19:13

      This depends entirely on whether you spend >=$450 on Qantas flights every year.

      If you don't, then you're going to be spending the $450 annual fee on … nothing.

  • flud on 19/02/2025 - 23:38

    Got rejected :(

  • U30004 on 21/02/2025 - 13:07

    got approved immediately, closed my from BOM CC last week.

    Can I only login once I recieve the card and use the flight credits?

  • DangerD on 21/02/2025 - 17:46

    Can I just confirm something, please?

    The new card holder offer gives you 100k points, but a referral link also states a bonus 100k points. Is this the same 100k?

    For example, if I signed up via the new card holder plain offer (not referral) am I essentially missing out on an additional 100k? Or is it just 100k either way and the referral link simply benefits the referrer their 40k?

    Thanks!

    • ymcaec on 21/02/2025 - 17:47

      The latter - "100k either way and the referral link simply benefits the referrer their 40k"

      • DangerD on 21/02/2025 - 17:50

        thank the heavens above, haha. I was like "you have got to be kidding me" as I just got approved for this today from the normal link. Thanks heaps, mate.

  • nonreg on 22/02/2025 - 00:05

    The American Express Explorer® Credit Card seems to be 110k bonus (personalised), and it's also 2x AMEX points for $1 every day purchases compared to 1.25x Qantas points with the Ultimate card. Can you transfer AMEX points into Qantas points though? I read you might be able to at a 1:1 ratio but not sure

    • northshore on 22/02/2025 - 07:29

      Only the platinum AMEX card allows transfers from AMEX points to Qantas.

  • bargainfinder on 23/02/2025 - 10:06

    I have done the trick mention in the thread buy getting $450 credited to my card by way of booking and cancelling airfair. I plan to close the card in 4 days, can i buy gift card with this credit card ? Will that be treat as cash advance?

    • pizzapock3t on 25/02/2025 - 14:23

      Just out of curiosity when did you get the $450credit back, haven’t receive mine yet did it last night but hasn’t come through yet.

      • bargainfinder on 25/02/2025 - 14:47
        +1

        Did it on the 22nd and got the credit the next day 23rd. Still has the charge pending. Look like i am keeping the card for another year as it is free with this trick.

  • qiqw12 on 23/02/2025 - 12:42
    +1

    Did anyone else get their points credited before they hit $5k spend?

    Only explanation I could think of was that the annual card fee counts towards the spend (although to my knowledge that’s not usually the case…)

    • Navigator87 on 23/02/2025 - 20:36
      +2

      Just saw my bonus points added as well. Spent only $4500 (+450 fee), total $4950 so far. Good on AMEX. No complaints.

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